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  1. it is always be good if you can get a loan from HDB...if the time permitted then you shall appeal. otherwise the bankloan broker does provide some good helping hand to get a best package avialable in the market however, you can also call bank and collect information by yourself. I'm one of a user whom using property loan broker due to time contraint and overwhelmed by T&Cs from all the banks. fortunately, the broker did his job i can say and i'm quite satisfied with the result. in short, yes, there are property broker but depend on whom you are engaged with...some just a messenger, some really good and very responsive...you can engage them however sometime it is also good to do your own home work too... good luck!

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